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Mortgage Rates for Citizens-Union Savings Bank
These rates apply to 1-4 family principal residence and second homes.
Add 1/8% to loans exceeding $417,000 up to $550,00.
For loans over $550,000, please contact our loan department.
Rates are subject to credit approval and may change without notice.
Fixed Rate Mortgages (As of
)
(Add 1/4 point for construction loans over $417,000) |
|
Term |
Points |
Interest
Rate |
APR |
Down-payment |
Monthly Payments per $1,000 Borrowed |
Number of Payments |
| 30 years |
2 |
6.125% |
6.316% |
20% |
$6.08 |
360 |
| 30 years |
1 |
6.375% |
6.471% |
20% |
$6.24 |
360 |
| 30 years |
0 |
6.500% |
6.500% |
20% |
$6.32 |
360 |
| 20 years |
2 |
5.875% |
6.126% |
20% |
$7.09 |
240 |
| 20 years |
1 |
6.125% |
6.251% |
20% |
$7.24 |
240 |
| 20 years |
0 |
6.375% |
6.375% |
20% |
$7.38 |
240 |
| 15 years |
2 |
5.500% |
5.812% |
20% |
$8.17 |
180 |
| 15 years |
1 |
5.750% |
5.906% |
20% |
$8.30 |
180 |
| 15 years |
0 |
6.000% |
6.000% |
20% |
$8.44 |
180 |
| 10 years |
2 |
5.250% |
5.692% |
20% |
$10.73 |
120 |
| 10 years |
1 |
5.500% |
5.721% |
20% |
$10.85 |
120 |
| 10 years |
0 |
5.875% |
5.875% |
20% |
$11.04 |
120 |
Rates may increase after consummation.
| 1-year Adjustable-Rate Mortgages (As of
) |
|
Term |
Pts |
Interest
Rate |
APR |
Cap |
Down-payment |
360 Monthly Payments per $1,000 Borrowed
Ranging from |
| 30 years |
1 |
4.500% |
5.275% |
2/6 |
20% |
$ 5.07 to $ 5.51 |
| 3/3 year Adjustable-Rate Mortgages (As of
) |
|
Term |
Pts |
Interest
Rate |
APR |
Cap |
Down-payment |
360 Monthly Payments per $1,000 Borrowed
Ranging from |
| 30 years |
0 |
4.875% |
5.536% |
2/6 |
20% |
$ 5.29 to $ 5.80 |
| 5/1 year Adjustable-Rate Mortgages (As of
) |
|
Term |
Pts |
Interest
Rate |
APR |
Cap |
Down-payment |
360 Monthly Payments per $1,000 Borrowed
Ranging from |
| 30 years |
0 |
5.250% |
5.250% |
2/6 |
20% |
$ 5.52 to $ 5.52 |
| 7/1 -year Adjustable-Rate Mortgages (As of
) |
|
Term |
Pts |
Interest
Rate |
APR |
Cap |
Down-payment |
360 Monthly Payments per $1,000 Borrowed
Ranging from |
| 30 years |
0 |
5.500% |
5.374% |
2/6 |
20% |
$ 5.55 to $ 5.68 |
| 10/1 year Adjustable-Rate Mortgages (As of
) |
|
Term |
Pts |
Interest
Rate |
APR |
Cap |
Down-payment |
360 Monthly Payments per $1,000 Borrowed
Ranging from |
| 30 years |
0 |
6.000% |
5.739% |
2/6 |
20% |
$ 5.64 to $ 6.00 |
| 1-year Adjustable-Rate Land Loan Mortgages (As of
) |
|
Term |
Pts |
Interest
Rate |
APR |
Cap |
*Down-payment |
240 Monthly Payments per $1,000 Borrowed
Ranging from |
| 20 years |
1 |
5.500% |
6.286% |
2/6 |
20% |
$ 6.88 to $ 7.29 |
| 3/3 year Adjustable-Rate Land Loan Mortgages (As of
) |
|
Term |
Pts |
Interest
Rate |
APR |
Cap |
*Down-payment |
240 Monthly Payments per $1,000 Borrowed
Ranging from |
| 20 years |
0 |
5.875% |
6.461% |
2/6 |
20% |
$ 7.09 to $ 7.54 |
* Maximum loan < $417,000= 20% down payment
Maximum loan > $417,000 and < $500,000= 25% down payment
Maximum loan > $500,000= 30% down payment
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